With an increasing number of credit card options available for Singaporeans, it comes as no surprise to see amazing credit card plans and deals that is aimed to attract more customers. 

Waiving of the annual fee is often celebrated by credit card users since they can save a reasonable amount of money. For at least 2 years, most banks and credit card issuers forgo the annual fees. 

Here is a list of the top credit cards with no annual fees that can help you save more money. 

OCBC Titanium Rewards Card 

The OCBC Titanium Rewards Card comes with no annual fees for the first 2 years and you will be eligible for an automatic annual fee waiver if you spend a minimum of S$10,000 each year after that.

This card comes with additional benefits that cater for couples who just started a family or moved into a new home. Set off a great start to your relationship by spending on clothing, electronics, taxi fares, flight tickets, and petrol. 

Every S$5 spent earns you 50 OCBC$ which is worth 20 air miles. You can also enjoy instant redemption as you purchase from Zalora, FairPrice, Nike, and more. Not to forget, the additional 2% cash rebate included when you shop for home appliances at BEST Denki. As the card comes with e-commerce protection, you can savour worry-free online shopping. 

You are able to earn up to 120,000 OCBC$ every year with a wide range of spending category to choose from, for your everyday needs and wants. 

HSBC Visa Platinum Credit Card

Are you looking for a low maintenance credit card? Then HSBC Visa Platinum Credit Card is ideal for your use. 

You will get to enjoy a free annual fee for the first 2 years with the subsequent year’s annual fee waived as you spend more than S$12,500 that year. On average, if you are someone who spends S$1,000 every month, then this card can be a good choice for you. 

Families or working adults who spend at least S$600 monthly will certainly enjoy using this credit card because you are entitled to a 5% cash rebate. The rebate applies to expenses on dining, groceries, and petrol. Every dollar spent is also rewarded by 1 Rewards point. From Agoda hotel bookings to online shopping promotions, you will get to enjoy special offers and discounts. 

Moreover, the spending on all these categories is rewarded by S$250 cash rebate every quarter. 

OCBC 365 Credit Card

Bigger families means a bigger budget. And as higher expenses are involved, it would be helpful to have more rewards earned. 

OCBC 365 Credit Card suits families and even working adults with a higher budget. When your lowest monthly expenses on food, transportation, groceries, and travelling are S$800, you can earn up to a 6% cashback rate.  

The 2 year’s annual fee waiver given to the cardholder can be extended to the following years as long as you continue spending more than S$800 every month.

For any transaction made on online food deliveries and dining be it on the island or abroad, you are entitled to a 6% cashback as well as a 5% cashback for your petrol expenses. If that is not alluring enough, your grocery shopping, online ticket bookings, and hotel reservations will earn you up to 3% cashback. 

What’s more, this credit card rewards you with S$200,000 worth of complimentary travel personal accident insurance. 

CIMB Visa Signature

How about a credit card that comes with no annual fee for life? And what’s more, the same principle applies to all 4 supplementary credit cards? 

CIMB Visa Signature card gives you the most cashback when you spend on your daily needs and shopping for products online. You will get 10% cashback on all eligible purchases when you spend more than S$800. 

You will also earn a 10% cashback when you purchase beauty-related products and pay for your pet’s veterinary services. 

This card comes with a free travel insurance policy valued at up to S$500,000 when you buy flight tickets. Additionally, you will have access to the Visa Signature concierge service as you travel across the globe. 

Choose The Right 'No Annual Fee' Credit Card For Your Daily Use

Credit card annual fee can take up quite a big portion of your budget. Having it waived off is certainly a reward in itself. Choose the right credit card with the annual fee waived off to maximise the benefits of credit cards.